Free, Independent Mortgage Advice
Across New Zealand
Mortgage Advice for Every Stage of Your Home Loan Journey. We compare rates from 25+ lenders to find your best deal. It won't cost you a cent.
What our clients say
Don't just take our word for it, hear from the people we've helped.
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. How can we help you?
Whatever your property goals, we've got the expertise and lender access to make it happen.
Get expert guidance on deposits, KiwiSaver, grants, and finding the right home loan.
Learn moreRefinance your mortgage to unlock better rates, cash back, and a smarter loan structure.
Learn moreLeverage equity, secure investor lending, and build your property portfolio strategically.
Learn moreTap into your home's equity for renovations, a new car, or consolidating debt. We'll show you what you can borrow.
Learn moreBuy or sell first? We'll help with bridging finance and making the move stress-free.
Learn moreFunding solutions for residential and commercial development projects of any scale.
Learn moreTalking to us won't cost you a dollar
We get paid by the bank for doing their work, and bringing you the best deal.
You don't pay us a cent. We get paid by the bank for bringing you the best deal.
Banks pass on rate savings because we're doing their job for them.
Deep banking industry knowledge to navigate lenders and get you the best deal.
All major NZ banks and specialists. Fully online, nationwide service.
Ready to see what we can do for you? It's completely free.
Book a Free CallThe Simpler Way
A clear, step by step process so you always know where things stand. From the first chat through to your yearly review, you've got a real person in your corner.
Chat
It starts with a conversation. Phone, video, email, or in person, whichever suits you.
Get to Know You
A short online application helps us understand your goals and financial position.
Review and Recommend
We compare options across our lender panel, negotiate, and give you a clear recommendation.
Implement
We apply to your chosen lender and manage the full process through to approval and settlement.
Actively Manage
We monitor your mortgage and flag rate expiries or market shifts worth acting on.
Yearly Review
Every year we check the loan still aligns with your goals and the best rates on offer.
Today's Home Loan Rates
The adviser rates we can offer right now, sourced directly from our lender panel and updated each time a new rate card lands. Most lenders assume 20%+ equity at this rate. We negotiate sharper where the bank allows.
| Bank | 6 months | 1 year | 18 months | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|
| ANZ |
4.49% | 4.59% | 4.79% | 4.99% | 5.39% | 5.65% | 5.79% |
| BNZ |
4.49% | 4.59% | 4.79% | 4.89% | 5.29% | 5.59% | 5.79% |
| ASB |
4.49% | 4.59% | 4.85% | 5.09% | 5.39% | 5.55% | 5.69% |
| Westpac |
4.49% | 4.69% | 4.99% | 5.19% | 5.29% | 5.39% | 5.59% |
| SBS |
4.49% | 4.59% | 4.79% | 4.99% | 5.19% | 5.55% | 5.69% |
| Kiwibank |
4.49% | 4.59% | n/a | 5.09% | 5.45% | 5.79% | 5.89% |
Indicative adviser rates. Subject to lender approval, LVR and credit criteria. Always confirm directly with the lender.
Sebastian Pierce
Director & Principal Mortgage Adviser
Seb set up Simpler after a 10-year career working within the banking and finance industry. His deep knowledge of how banks operate, combined with a genuine passion for helping people, makes him an exceptional adviser.
With a Bachelor's in Finance and a Masters of Engineering Management, Seb is often referred to as the 'go-to guy' for all things finance. Whether it's investing in the markets or property, he loves talking shop.
Common questions
Everything you need to know before getting started.
Still have questions? We're happy to help.
Ask us anythingQuick mortgage tips on video
Short clips on first home loans, refinancing and the questions our clients ask most. Pulled live from our Facebook page.
Ready to find a better deal?
Chat with Seb and see how much you could save. No cost, no obligation, no pressure - just honest advice.
